Isabella Bank (ISBA) Stock Price, News & Analysis

Company Overview

Isabella Bank Corporation operates as the bank holding company for Isabella Bank that provides various banking products and services to businesses, institutions, and individuals and their families. Its deposit products include checking accounts, savings accounts, certificates of deposit, direct deposits, and money market accounts. The company's loan portfolio comprises commercial, agricultural, and residential real estate loans, as well as consumer loans, including secured and unsecured personal loans. It also offers cash management, mobile and internet banking, electronic bill pay, automated teller machines, trust and investment, estate planning, and safe deposit box rental services; and group life, health, accident, disability, and other insurance products, as well as other employee benefit programs. As of December 31, 2021, the company operated 30 banking offices in Clare, Gratiot, Isabella, Mecosta, Midland, Montcalm, and Saginaw counties. Isabella Bank Corporation was founded in 1903 and is headquartered in Mount Pleasant, Michigan.

Key Stats

• Today's Range: $31.05 to $32.45
• 50-Day Range: N/A
• 52-Week Range: $17.55 to $44.99
• Volume: 6,931 shs
• Average Volume: 9,634 shs
• Market Capitalization: $239.58 million
• P/E Ratio: 14.82
• Dividend Yield: 3.45%
• Price Target: $34.00
• Consensus Rating: Hold

Isabella Bank Stock Analysis - MarketRank™

Isabella Bank scored higher than 8% of companies evaluated by MarketBeat. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: 1.0 / 5
• Analyst Rating: Hold

Consensus Rating

Isabella Bank has received a consensus rating of Hold. The company's average rating score is 2.00, and is based on no buy ratings, 1 hold rating, and no sell ratings.

Amount of Analyst Coverage

Isabella Bank has only been the subject of 1 research reports in the past 90 days.

Earnings and Valuation

• Score: 0.6 / 5
• Proj. Earnings Growth: N/A

Price to Earnings Ratio vs. the Market

The P/E ratio of Isabella Bank is 14.82, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 28.11.

Price to Earnings Ratio vs. Sector

The P/E ratio of Isabella Bank is 14.82, which means that it is trading at a more expensive P/E ratio than the Financial Services sector average P/E ratio of about 14.04.

Price to Book Value per Share Ratio

Isabella Bank has a P/B Ratio of 1.15. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

• Score: N/A
• Short Interest Level: N/A

Short Interest

There is no current short interest data available for ISBA.

Dividend

• Score: 2.5 / 5
• Dividend Strength: Moderate

Dividend Leadership

Isabella Bank is a leading dividend payer. It pays a dividend yield of 3.74%, putting its dividend yield in the top 25% of dividend-paying stocks.

Dividend Growth

Isabella Bank does not have a long track record of dividend growth.

Dividend Coverage

The dividend payout ratio of Isabella Bank is 51.14%. This payout ratio is at a healthy, sustainable level, below 75%.

Sustainability and ESG

• Score: N/A
• Environmental Score: N/A

Short Interest

There is no current short interest data available for ISBA.

News and Social Media

• Score: 0.8 / 5
• News Sentiment: -0.55

News Sentiment

Isabella Bank has a news sentiment score of -0.55. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This is a lower news sentiment than the 0.40 average news sentiment score of Financial Services companies.

News Coverage This Week

MarketBeat has tracked 4 news articles for Isabella Bank this week, compared to 0 articles on an average week.

Company Ownership

• Score: 0.0 / 5
• Insider Trading: N/A

Insider Buying vs. Insider Selling

In the past three months, Isabella Bank insiders have not sold or bought any company stock.

Percentage Held by Insiders

Only 9.70% of the stock of Isabella Bank is held by insiders.

ISBA Stock Analysis - Frequently Asked Questions

How have ISBA shares performed this year?

Isabella Bank's stock was trading at $29.98 on January 1st, 2025. Since then, ISBA shares have increased by 8.2% and is now trading at $32.45.

How do I buy shares of Isabella Bank?

Shares of ISBA stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services.

Company Calendar

• Today: 8/02/2025
• Fiscal Year End: 12/31/2025

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Financial Services
• Industry: State Commercial Banks – Fed Reserve System
• Sub-Industry: Banking
• Current Symbol: NASDAQ:ISBA
• CIK: 842517
• Web: N/A
• Phone: (989) 772-9471
• Fax: N/A
• Employees: 330
• Year Founded: N/A

Price Target and Rating

• Average Price Target for Isabella Bank: $34.00
• High Price Target: $34.00
• Low Price Target: $34.00
• Potential Upside/Downside: +4.8%
• Consensus Rating: Hold
• Rating Score (0-4): 2.00
• Research Coverage: 1 Analysts

Profitability

• EPS (Trailing Twelve Months): $2.19
• Trailing P/E Ratio: 14.82
• Forward P/E Ratio: N/A
• P/E Growth: N/A
• Net Income: $13.89 million
• Net Margins: 15.18%
• Pretax Margin: 16.64%
• Return on Equity: 7.90%
• Return on Assets: 0.80%

Debt

• Debt-to-Equity Ratio: 0.36
• Current Ratio: 0.79
• Quick Ratio: 0.79

Sales & Book Value

• Annual Sales: $70.49 million
• Price / Sales: 3.40
• Cash Flow: $2.61 per share
• Price / Cash Flow: 12.44
• Book Value: $28.30 per share
• Price / Book: 1.15

Miscellaneous

• Outstanding Shares: 7,383,000
• Free Float: 6,667,000
• Market Cap: $239.58 million
• Optionable: N/A
• Beta: 0.10